SWIFT Fades, XRP Rises: Analyst Predicts Major Paradigm Shift

Is a Systemic Shift Brewing? In the world of global finance, a seismic shift may be underway. According to crypto pundit Pumpius, the traditional SWIFT banking system is nearing its twilight, and XRP is positioning itself as the strategic successor. As the backbone of international money transfers, SWIFT is used by over 11,000 financial institutions and has long dominated the cross-border payments space. However, it has been criticized for being slow, costly, and outdated in an era that increasingly values speed and transparency. This is where XRP enters the picture. Pumpius argues that XRP is emerging as the ”new chesspiece” in global finance due to its ability to settle transactions in seconds, at fractions of a cent, and without the need for intermediaries. Unlike SWIFT, which simply sends payment instructions, XRP enables actual value transfer, offering finality and liquidity in real-time. At the heart of Pumpius’ thesis is RippleNet’s growing adoption. For instance, more than 100 financial institutions worldwide have partnered with Ripple, using its blockchain-powered On-Demand Liquidity (ODL) system, which leverages XRP to bridge fiat currencies across borders. Countries exploring central bank digital currencies (CBDCs) are also considering the XRPL technology to enable cross-border interoperability. Geopolitical developments is another factor that might fuel the XRP Ledger adoption. With rising tensions between East and West and the weaponization of SWIFT, such as its exclusion of certain nations from the network, there’s growing demand for a politically neutral, decentralized alternative. XRP, with its global reach and increasing regulatory clarity, fits that profile. SWIFT’s last sunset isn’t just about technology, it’s about control,” says Pumpius. “As power shifts away from legacy institutions to decentralized networks, XRP stands as the most viable bridge between old money and the new digital economy.” XRP Ledger Wallets Soar to a Record High of 7.24 Million According to CryptoQuant data, the XRP Ledger has hit an exceptional milestone of more than 7.24 million active wallets, marking the strongest surge in its history. Therefore, this breakthrough reflects a dynamic fusion of retail enthusiasm, institutional backing, and robust network upgrades. Given that cross-border adoption, real-world asset tokenization, and prominent endorsements are converging to transform XRPL’s ecosystem, crypto-on-chain analytics are bullish. As a result, experts now view XRPL as a viable alternative to SWIFT, projecting as much as 14% of global payments volume could shift onto the ledger in coming years. Conclusion Renowned analyst Pumpius predicts a turning point in global finance because as the legacy SWIFT system fades, XRP is rising as the new strategic linchpin for cross-border value transfer, thanks to the XRP Ledger. As a result, with wallet growth at 7.24 million, active usage at unprecedented levels, whale accumulation breaking records, and powerful institutional validation unfolding, the XRPL stands at the threshold of accelerated mainstream adoption.